What is the primary purpose of an Insurance Navigator in Indiana?

The primary purpose of an Insurance Navigator in Indiana revolves around assisting individuals in understanding their health insurance options. Navigators play a crucial role in helping people navigate the often complex landscape of health insurance, particularly in the context of the Affordable Care Act (ACA). They provide vital information about the insurance marketplace, guiding individuals through the application process, and helping them identify programs for which they may be eligible.

This support is essential, as many individuals may not be familiar with how to compare different plans or the benefits offered, which is a fundamental aspect of their role. They ensure that consumers can make informed decisions about their health coverage by clarifying terms, eligibility requirements, and accurately interpreting policy details.

In contrast, the other roles mentioned do not fit the responsibilities of an Insurance Navigator. Performing audits of insurance companies is an activity typically reserved for regulators or internal compliance teams, and regulating insurance premiums is a function of state insurance regulators. Creating new insurance policies falls to insurance companies rather than navigators, whose focus is primarily on consumer education and support rather than policy development.